We Make Creditors Pay You! Read our Collection Abuses page here. We Protect You From Debt Collection Abuse! If you are receiving or have received creditor communications before, during, or after your bankruptcy. You may be entitled to statutory damages, actual damages and punitive damages. You should know your rights. As a consumer, even if you should find yourself in financial distress. This does not mean creditors are permitted to abuse and harass you into paying a debt.